SelfHealthInsurance.com is for people who buy their own health insurance or are trying to figure out their options. Enter your ZIP code at the top of this page to compare plans in your area, or start with the basics below.
Open enrollment for 2027
Open enrollment on HealthCare.gov runs from November 1, 2026, through January 15, 2027. If you want coverage to start January 1, sign up by December 15. Some states that run their own marketplaces give you more time. California, New Jersey, New York and Washington, D.C., stay open through January 31. See the dates for your state.
What’s changing for 2027
Premiums are going up again. The median increase insurers asked for was about 15%, and some states approved increases above 20%. The extra subsidies that started in 2021 ended after 2025, so the premium tax credit is back to its original rules: your household income has to be between 100% and 400% of the federal poverty level. For one person applying for 2027 coverage, that’s about $15,960 to $63,840 a year. See what’s changing for 2027, increases by state and ways to lower your premium.
Signing up outside open enrollment
After open enrollment ends, you can still sign up if you have a qualifying life event, such as losing job-based coverage, moving, getting married or having a baby. You usually have 60 days from the event. Medicaid and CHIP take applications all year. What counts as a qualifying event. Missed the deadline? Here’s what you can still do.
How to compare plans
Don’t pick on the monthly premium alone. Check the deductible, the out-of-pocket maximum and whether your doctors and prescriptions are covered. A cheap bronze plan can cost you more over the year if you see doctors often. Read how to choose a plan and how the metal levels compare.
Costs by state
Prices depend a lot on where you live. Our guide to health insurance costs by state compares benchmark premiums and 2027 rate changes across the country, and each state guide covers average premiums, subsidies and deadlines: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin and Wyoming. We also break down costs by age, from 26 to 64, and for couples.
Who we are
SelfHealthInsurance.com isn’t an insurance company and doesn’t sell insurance. Our guides are written by James Shaffer, an insurance professional and writer who has owned many insurance businesses, and checked against government and industry sources. When you compare quotes here, the offers come from partners who may pay us when you click.